[agallant]

I agree that it's similar to a hard fork (and has similar problems), but would argue that (due to the "interdisciplinary" nature of fintech) it's not incompetence or laziness but rather the blind spot/hubris of being a technical person looking at a social system.

An experienced developer has seen enough technical systems to understand the lurking complexity and hard problems within them. Realizing that applies to other systems is a separate insight, and one that is harder to reliably teach/learn. It's not enough to dabble in other fields - it's easy to do that as a mental tourist, assuming your prior experience generalizes.

Learning these challenges requires a form of intellectual empathy - believing that people who think hard about things that are alien to you are still thinking hard, and have probably tried your first intuitions already, as well as things you've not thought of yet.